3104-23 Sheppard Avenue, Toronto, ON
Willowdale East, Toronto · MLS® C13234776
About this home
Welcome to luxurious Minto Gardens at a prime location Yonge & Sheppard! 2 + 1 bedroom (1123sqft) overlooking a Muskoka setting with 2 balconies. Unobstructed view! Open concept floor to ceiling windows, laminate floors throughout, kitchen has large centre island with seating, storage and wine rack. Granite counter tops, backsplash and stainless steel appliances, pot & pan drawers, 1-1/2 kitchen sinks, microwave shelf, crown mouldings throughout. Primary bedroom has walk out to balcony and large walk-in closet and 5 pc bath. Second bedroom has double closet and pocket door. Dining has built in buffet cabinet, and living has wainscoting. 10 ft ceilings throughout and One tandem parking spot (2 cars) and one locker included. The Den is perfect for working from home. Hotel-Like amenities w/24hr Concierge, business office, cafe bar & lounge, Gym, indoor pool, sauna, park setting with water falls and more. Steps to subway lines & TTC bus line, minutes drive to highway 401.
Key facts
- Property type
- Condo Apartment, Apartment
- MLS®
- C13234776
- Bedrooms
- 3 (2 + 1)
- Bathrooms
- 2
- Size
- 1000-1199
- Cross streets
- Yonge Street & Sheppard Ave E
- Parking
- 2 garage (underground)
- Basement
- None
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Concrete
- Maintenance
- $1,232/mo
- Exposure
- North East
- Property tax
- $4,788 / 2025
- Days on market
- 50
- Listing brokerage
- INTERCITY REALTY INC.
Rooms
laminate · combined w/living · wainscoting
balcony · walk-in closet(s) · 5 pc ensuite
laminate · centre island · stainless steel appl
laminate · double closet · pocket doors
laminate · w/o to balcony
laminate · window floor to ceiling
Listed at $958,000, this home is about 21% above what comparable homes suggest. The number above is my independent estimate of value, not the asking price.
In Willowdale East lately, sellers have been getting about 97% of asking and homes sell in about 35 days.
Based on 10 similar homes nearby, adjusted for size, beds, and baths.Median of 10 comparable active listings, adjusted for size, beds, and baths. The city (MPAC) assessment points to about $931K, a bit higher.
How I got there
Here is the exact math behind the estimate. I start from the closest comparable listing and adjust for the real differences (size, beds, baths) to land on a like-for-like value for this home.
- Closest comparable, listed at $799K
- Adjusts to $799K
That comparable adjusts to $799K; the $794K estimate above is the median of all 10 comparables, which is steadier than any single home.This uses comparable active listings, not sold prices. Lot, condition, and finishes are my in-person call, and I can run a full CMA with recent solds.
Its public catchment (Claude Watson School for the Arts) tests around the provincial average, a steady, family-friendly draw. The full EQAO breakdown is below.
Total price vs nearby homes. Fair value about $794K, median of 10 comparables.
What the listing highlightsThese are claims from the listing. The only way to know for sure is to see it in person, and I am happy to book you a private showing.
- Pool: lifestyle appeal, but adds maintenance, insurance, and resale is mixed. Weigh carefully
- Tall ceilings: they transform how a home feels, worth confirming the actual heights room to room. Worth verifying
- Open-concept layout: modern, sought-after flow. Lifestyle
- Transit / schools nearby: convenience and resale support, verify the exact distances and school catchment. Value driver
The closest active listings by size, beds, and price, so you can see what this home is up against.
The 5 closest of 8 active listings nearby.
See all comparable homesThis home lists 23% above the area average of $711/sqft.
49 days longer than the Toronto average (1 days).
View comparable listingsPrice per square foot vs the area average.
Neighbourhood & location
Willowdale East, Toronto, ON
Enter a workplace or destination and we’ll show the door-to-door time by car, transit and bike.
How asking prices compare in the closest areas to this home. Longer bars mean a pricier market.
Typical asking price of active listings of the same type, per area (outliers removed). Toronto.
Get the full neighbourhood report (schools, parks, transit & safety) →
The public and Catholic schools this address is zoned for, with EQAO results (the share of students meeting Ontario's provincial standard).
School attendance boundaries and EQAO results are Ontario government data and can change. Confirm the current catchment with the school board before relying on it.
Affordability & Mortgage
Income needed assumes a ~32% GDS ratio; weekly is mortgage principal & interest only. Price ÷ income is the home price over the income needed. Fixed reference assumptions so listings compare on equal footing, not a lending decision.
Calculate and customize your mortgage and other expenses
Adjust the down payment, rate, and amortization, and add property tax, condo fees, and heating to see your true monthly cost.
Your numbers
Conventional (20%+ down). Best insured 5-year fixed 3.99% via Ratehub.ca (as of July 23, 2026); conventional rates run a little higher.
Mortgage amount $766,400 · 4.14% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $4,090
- Property tax
- $399
- Condo / maintenance fees
- $1,232
- Heating
- $0
- Estimated monthly cost
- $5,721
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $15,635
- Toronto municipal land transfer tax
- $15,635
- Estimated closing costs
- $31,270
Plus your down payment of $191,600. Legal fees, title insurance, and adjustments are extra and vary by deal.
Mortgage stress test
Lenders qualify you at the greater of your rate plus 2% or 5.25%. You do not pay this rate. It just shows you could still handle payments if rates rose, so aim to stay comfortable at this higher number.
Over the full 25 years
At the end of your 5-year term
- Total paid over the term
- $245,388
- Principal paid down
- $97,601
- Interest paid
- $147,786
- Balance remaining
- $668,799
Talk to Team Asgarian about your options
Rates and programs change often. We will connect you with a trusted mortgage professional and build a plan that fits your budget and goals.
Estimates only, not a mortgage quote or pre-approval. Figures use Canadian semi-annual compounding, current minimum down-payment rules, CMHC premium tiers, and Ontario (plus Toronto, when selected) land transfer tax. Actual rates, taxes, insurance, and closing costs vary by lender and property. Confirm every number with your mortgage professional.
Investor snapshot
Thinking of this home as an investment? We will pull real comparable rents and run the full numbers with you.
Talk about the numbersEstimates only. Rent is modelled on above-grade size and local norms, so a finished basement or second suite (a separate entrance often means one) can push real rent well above this. Taxes, fees, and vacancy vary by property, and cap rate is before financing. A starting point, not a final number, let us run the real ones with you.
Helpful resources
All information deemed reliable but not guaranteed. For personal, non-commercial use only. Listing courtesy of INTERCITY REALTY INC.. MLS®/PropTx.